*Zero fees remittances
Subject to applicable rules, you can send one (01) RT per month of up to $300 at no cost.

See below a breakdown of the RT costs:

1. One (01) RT per month of up to $300 at no cost.
2. If you surpass the threshold above in either number of RTs or remittance amount, the RT
will cost you $9.99

For the avoidance of doubt:
> After the first RT in any given month is processed, any other RT within that month will
cost you $9.99 regardless of the amount.
> If the first RT in any given month is over $300, it will cost you $9.99

*The above rules do not apply to Ambassador (“VIP”) Users.

The qualifying direct deposit must be from your employer, payroll provider, gig economy payer,
or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction
(OCT). Bank ACH transfers, verification or trial deposits from financial institutions, peer to peer
transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash
loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions,
and any deposit to which Pana deems to not be a qualifying direct deposit are not qualifying
direct deposits. Pana Finance Inc. may earn revenue on foreign exchange currency conversion.

To read the entire remittance rules, please read our  T&Cs